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An official website of the United States government
News Release 2010-87 | August 2, 2010
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WASHINGTON—When national banks disagree with appealable agency decisions, the OCC has a clear process for hearing and resolving those differences.
Administered by the OCC's Office of the Ombudsman, the National Bank Appeals Process provides an independent, fair, and binding means of resolving differences stemming from the supervisory process.
"Our responsibility in the National Bank Appeals Process is to ensure established standards and guidance have been applied properly," said OCC Ombudsman Larry Hattix.
The appeals process ensures the most sound decisions possible, Mr. Hattix said. It also reinforces standards and provides lessons for bankers and examiners. Summaries of previous appeal decisions are available on OCC.gov.
"Appeals are often the result of miscommunication," Assistant Ombudsman Sharon Gilstrap said; "that's why the OCC emphasizes its informal process before final decisions are rendered."
OCC policy encourages bankers to discuss potential issues early in the examination process that could lead to a formal appeal with their supervisory team, senior OCC management, or the Ombudsman.
"Early, open communication is the best way to resolve potential issues," Mr. Hattix said.
The OCC Ombudsman reports directly to the Comptroller of the Currency, operates outside bank supervision channels, and with the consent of the Comptroller, may supersede OCC decisions or actions during the resolution of an appealable matter. A bank may pursue an informal appeal until an agency decision has been made.
Once an agency decision is made, national banks may seek a formal review of any appealable decision or action, including examination ratings, adequacy of loan loss reserves, and loan classifications significant to the bank without fear of reprisal.
National banks may not appeal appointments of receivers or conservators, preliminary examination conclusions, formal enforcement-related actions, rulemaking, FOIA-related disclosures, decisions to disapprove directors or senior executives, or agency decisions that are otherwise subject to judicial review.
To submit a formal appeal, a bank's senior executive must sign the appeal, indicate approval by its board of directors, and submit it directly to the Ombudsman or the Deputy Comptroller representing the OCC supervisory office overseeing the bank.
The OCC determines whether the matter is appealable within five days and typically issues a ruling within 45 days. If a bank disagrees with an appeal decision made by OCC bank supervision channels, it may appeal to the Ombudsman within 30 days of receiving the ruling. The Ombudsman generally rules on second-tier appeals within 30 days.
"The appeals process is an important tool in maintaining OCC credibility and fairness in the supervision process," Mr. Hattix said, "and it works the same for large banks as well as small banks." Each year the OCC issues thousands of examination and corporate decisions, and historically receives fewer than 10 formal appeals each year.
For more information about the National Banks Appeals Process, national banks can download the new brochure at https://www.occ.gov/topics/dispute-resolution/national-bank-appeals/bank-appeals-brochure-2010.pdf or contact the Ombudsman at (202) 874-1530.
Bryan Hubbard (202) 874-5770


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Next: Variables, Previous: Printing Nodes, Up: Top [Contents][Index]
GNU Info contains several commands which self-document GNU Info:
Read the name of an Info command in the echo area and then display a brief description of what that command does.
Read a key sequence in the echo area, and then display the name and documentation of the Info command that the key sequence invokes.
Read the name of a variable in the echo area and then display a brief description of what the variable affects.
Read the name of an Info command in the echo area, and then display a key sequence which can be typed in order to invoke that command.
)Create (or Move into) the window displaying *Help*
, and place
a node containing a quick reference card into it. This window displays
the most concise information about GNU Info available.
)Try hard to visit the node (info)Help
. The Info file
info.texi distributed with GNU Emacs contains
this node. Of course, the file must first be processed with
, and then placed into the location of your Info directory.
)Show information about what's currently being viewed in the echo area: the Info file name, and current line number and percentage within the current node.
Display the name and version of the currently running Info program.
Here are the commands for creating a numeric argument:
)Start (or multiply by 4) the current numeric argument. 'C-u' is a good way to give a small numeric argument to cursor movement or scrolling commands; 'C-u C-v' scrolls the screen 4 lines, while 'C-u C-u C-n' moves the cursor down 16 lines. 'C-u' followed by digit keys sets the numeric argument to the number thus typed: C-u 1 2 0 sets the argument to 120.
)Add the digit value of the invoking key to the current numeric argument. Once Info is reading a numeric argument, you may just type the digits of the argument, without the Meta prefix. For example, you might give 'C-l' a numeric argument of 32 by typing:
C-u 3 2 C-l
M-3 2 C-l
)To make a negative argument, type -. Typing - alone makes a negative argument with a value of -1. If you continue to type digit or Meta-digit keys after -, the result is a negative number produced by those digits.
- doesn't work when you type in the echo area, because you need to be able to insert the '-' character itself; use M-- instead, if you need to specify negative arguments in the echo area.
C-g is used to abort the reading of a multi-character key sequence, to cancel lengthy operations (such as multi-file searches) and to cancel reading input in the echo area.
)Cancel current operation.
The 'q' command of Info simply quits running Info.
)Exit GNU Info.
If the operating system tells GNU Info that the screen is 60 lines tall, and it is actually only 40 lines tall, here is a way to tell Info that the operating system is correct.
Read a height value in the echo area and set the height of the displayed screen to that value.
On MS-DOS/MS-Windows, this command actually tries to change the dimensions of the visible screen to the value you type in the echo area.
Finally, Info provides a convenient way to display footnotes which might be associated with the current node that you are viewing:
)Show the footnotes (if any) associated with the current node in
another window. You can have Info automatically display the footnotes
associated with a node when the node is selected by setting the
variable automatic-footnotes
. See automatic-footnotes
Next: Variables, Previous: Printing Nodes, Up: Top [Contents][Index]


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About Us
A quick intro
Streetbank is here to help you do three things:
1. Give things away – find a grateful neighbour for stuff you no longer need
2. Share things – like ladders and drills, that go unused much of the time
3. Share skills – like DIY, languages and gardening, that neighbours might need help with
See what's in your neighbourhood
It all started in 2010, after Sam had a good experience of sharing with his next-door neighbours.
They had been lending stuff to him – small stuff mainly (like a cup of sugar), but it got bigger (like a ladder) and in time he found he'd actually made friends with them. They even took the fence between their gardens down and they did all the gardening (result for Sam!).
Over the years, Streetbank has grown to be one of the biggest neighbourhood sharing websites in the world, rated by the Times as one of the 50 websites you can't live without.
Every day, people across the world are using the site to share stuff. From the weird and wonderful, to the practical and useful – but everything that's shared is valuable in some way, to somebody!
The result?
Friendlier neighbourhoods, money saved and less stuff wasted and ending up in landfill.
Jack in Oxford has been given grapes for wine-making, wild-swimming advice and a sewing machine.
Patricia borrowed a two-ring electric hob when her new kitchen was being installed, a gazeebo for a party and was given a mattress.
Rose has decluttered her home – giving away old coats, jewellery, crafty stuff – and reconnected with an old teacher and made friends.
You can join us and see what's in your neighbourhood in just a few clicks!


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Explaining accounting to Congress is never easy. But last spring, Bill Jones, vice chairman of O'Neal Industries, says he witnessed a few "aha" moments as he went door-to-door on Capitol Hill to lobby against the elimination of "last-in, first-out" (LIFO) accounting.
As Ron Travis, O'Neal's vice president of tax, explained to members of Congress why the majority of companies use LIFO, "lightbulbs started going off," recalls Jones. Until then, he says, "they thought LIFO was just a funny-sounding acronym."
LIFO allows companies to calculate the cost of goods sold based on the price of the most recently purchased ("last-in") inventory, rather than inventory that was purchased more cheaply in the past and has been sitting on the shelf. That boosts the cost of goods sold, which lowers profits — and, thus, taxable income. LIFO is particularly important to companies that have slow-moving inventory — such as industrial manufacturers and distributors — and are therefore vulnerable to rising prices. O'Neal, a manufacturer and distributor of metals and metal products, has used LIFO for 63 years, almost as long as the method has been allowed for tax purposes (the Internal Revenue Service first sanctioned it in 1939).
"We normally replace every piece of inventory we sell with a higher-priced piece of inventory," explains Travis. "Under LIFO, all of the inflation that is built into our product is not recognized for tax or book purposes."
Jones and Travis breathed a sigh of relief last year when Congress quietly dropped plans to eliminate LIFO. But it didn't take long before the funny-sounding acronym was back in the taxman's sights. The 2011 federal budget proposed by the Obama Administration again includes a provision to repeal LIFO accounting. The government estimates that the move would boost federal coffers by $59 billion over 10 years.
Even if LIFO somehow survives another year of federal budgeting, it still faces the long-term threat of being wiped out if the United States adopts international financial reporting standards (IFRS), which do not allow LIFO. That would stop companies from using LIFO entirely, because companies that use the method to reduce taxable income reported to the IRS must also use it for financial reporting, rather than potentially more-flattering methods, such as FIFO (first-in, first-out) or average cost.
A Bad Match?
Companies like LIFO because it stifles inflationary effects by matching current expenses and current sales more closely than other methods. The accounting convention "protects us from having to pay taxes on what are not really profits," contends Jones. Indeed, proponents of LIFO — 120 of which have formed the LIFO Coalition to lobby against its repeal — don't consider the methodology a tax break. "There is an economic reason for using LIFO, and that is lost on the folks in Washington," says Beatty D'Alessandro, CFO of Graybar, a distributor of electrical and industrial components that has been using LIFO since the early 1980s. Without LIFO, he says, there is a "mismatch between what it's going to cost us to put inventory back on the shelf and what we bought it for six months ago, when it may have cost less."
To understand the mismatch, consider how LIFO works: Say, for example, that a company has an industrial compressor in its inventory that it bought for $5,000. It sells the compressor for $5,500, and replaces it in inventory for $5,200. From an economic perspective, the profit is only $300, not the $500 difference between the historic and current price. LIFO allows companies to use that "last-in" price to record $300 in taxable income. The remaining $200 in income is deferred until the company shutters its business and is forced to liquidate the inventory, at which time it strips off years of "LIFO layers." The $200 — the difference between the taxable income recorded under LIFO and another methodology — is referred to as the LIFO reserve.
In a liquidation, notes O'Neal's Travis, the sell-off of old inventory generates revenue to pay the taxes. But if LIFO is simply repealed, he says, then deferred taxes will be due without the benefit of any additional revenue. "In effect, the repeal of LIFO is going after our equity," the tax director says.
Under the Obama budget proposal plan, companies would be required to "true up" their retained earnings in the year they stop using LIFO, explains Jason Cuomo, a senior analyst with Moody's Investors Service. They would then make annual cash tax payments on the profits stored in the LIFO reserve over a 10-year period, beginning in 2012.
Graybar's D'Alessandro argues that LIFO accounting is a "timing issue," rather than a tax gimmick, and emphasizes that LIFO accounting reverses itself when demand drops. "You burn through LIFO layers as you burn through your inventory," explains D'Alessandro, who notes that Graybar reached lower-cost inventory layers last year as demand slowed. At that point, profits rose under LIFO accounting and the company had to pay more in taxes. The same is true when deflation sets in, says Scott Rabinowitz, a director in PricewaterhouseCoopers's national tax practice. As the price of replacement inventory drops, taxable income increases, and so does a company's tax obligation.
A Cash-Flow Issue
Not all companies agree with the mismatch theory. Proponents of FIFO, who tend to be retailers and manufacturers of fast-moving inventory such as electronics or perishable goods, say FIFO better reflects the current value of inventories. For example, in December, packaging giant Pactiv Corp. switched from LIFO to FIFO, telling investors that the change provides "better matching of sales and expenses." Officials at the company, which makes Hefty brand plastic bags, noted that this is particularly true during periods when the price of their primary raw material, resin, is volatile.
Under FIFO, they said, "the lag between resin-price changes and selling-price changes will be reduced by approximately two months."
Moreover, not everyone agrees that LIFO elimination would be such a dire event for companies with slower-moving inventory. The elimination of LIFO "is a cash-flow issue," argues Moody's Cuomo, who co-authored a recent report on the subject. His report, which examined 176 companies rated by Moody's that use LIFO, points out that larger companies with strong cash flows likely will weather the one-time charge of converting from LIFO to FIFO or another methodology without much problem (see the chart at the end of this article). That's because for the largest companies, the charge represents a small percentage of their annual cash flow. However, smaller companies with high LIFO reserves and low cash flows could run into problems.
But some large companies say the change would still hurt. Graybar, with $4.3 billion in revenue, reported a LIFO reserve of $107 million in its most recent 10-K. Assuming a 35% tax rate, and a single payment that is not stretched out over time, D'Alessandro estimates that Graybar's tax bill would amount to $37.5 million on the day it converted from LIFO to FIFO — or a $19 million tax obligation if the company switched to average-cost accounting. More important, a switch from LIFO could mean up to 500 fewer jobs, says the CFO, who figures that, on average, salary and benefits cost the company $70,000 per person. "If we pay it in taxes, we can't pay it in wages. It is as simple as that. [LIFO repeal] is an anti-employment move," insists D'Alessandro.
The demise of LIFO also could affect a company's net operating losses — the deferred tax asset that is recorded by a company and held to offset taxable income in the future. Rabinowitz notes that taking the LIFO reserve into income could reduce the amount of NOL carryforwards.
The sting of LIFO repeal also will be felt by smaller companies that don't have robust information-technology systems, says Stephanie Anderson, a managing director at consultancy AlixPartners. That's because sorting and valuing layer after layer of LIFO inventory is a complex task. That kind of "unwinding" is mandatory before an accurate valuation can be recorded for book and tax purposes. Anderson says companies may also need to hire more cost accountants to ferret through the inventory layers.
Is the End Near?
The brightest hope for LIFO proponents is the possibility that the accounting method could yet survive. It is too early yet to tell how strong industry pushback will be on the Administration's proposed repeal, but lobbying efforts have stopped it before. Similarly, if the Securities and Exchange Commission does make IFRS the accounting system of the land, nonpublic companies won't have to use the standards. Indeed, if the IRS itself isn't the force behind a LIFO prohibition, it might even prove willing, as it has in the past, to water down conformity regulations requiring that certain methods be used consistently for both tax and financial reporting.
Perhaps the biggest wild card affecting the government's decision will be the economy. "It's always a terrible time to look at repealing LIFO," says Jones, "but right now it's just another nail in many corporate coffins."
Marie Leone is senior editor for accounting at CFO.


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[ by Charles Cameron — a speech worth close attention ]
I bypassed several opportunities to hear or read Malala's speech today, until Shivam Vij tweeted that she had mentioned Badshah Khan. That caught my attention — Khan is not the most well-known of figures, but he's one that I admire — and when I watched Malala's speech, I found him in some pretty significant company:
I do not even hate the Talib who shot me. Even if there was a gun in my hand and he was standing in front of me, I would not shoot him. This is the compassion I have learned from Mohammed, the prophet of mercy, Jesus Christ and Lord Buddha. This the legacy of change I have inherited from Martin Luther King, Nelson Mandela and Mohammed Ali Jinnah. This is the philosophy of nonviolence that I have learned from Gandhi, Bacha Khan and Mother Teresa. And this is the forgiveness that I have learned from my father and from my mother. This is what my soul is telling me: be peaceful and love everyone.
That's really quite a paragraph. And if the lives and thoughts of Gandhi or Mother Theresa, Mandela or Martin Luther King, Buddha, Christ or Muhammad seem important to you, and you are unaware of Bacha or Badshah Khan, I can recommend to you Eknath Easwaran's Nonviolent Soldier of Islam: Badshah Khan: A Man to Match His Mountains.
In these times of religious conflict too, it is worth noting that this young Muslim woman speaks, on her sixteenth birthday and before the UN General Assembly, of the inspiration she has received not only from fellow Muslims — from the Prophet of her own faith, Muhammad, from the Father of her Nation, Muhammad Ali Jinnah, and from Benazir Bhutto, whom she terms shahid or martyr — but also from Buddha, Christ, and Gandhi, a Hindu.
As my regular readers know, I make a habit of noting patterns where I can find them, so I was struck by one rhetorical trope in particular within Malala's speech:
Dear sisters and brothers, we realize the importance of light when we see darkness. We realize the importance of our voice when we are silenced. In the same way, when we were in Swat, the north of Pakistan, we realized the importance of pens and books when we saw the guns.
The relationship is a subtle one: darkness is juxtaposed to light not as silence is to voice but as being silenced is — while in the third clause, pens and books is to guns as darkness is to light, a powerful and thought-provoking juxtaposition.
Malala's speech, full text:
Malala's speech in video:


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September 01 - September 11
FIFA Beach Soccer World Cup Ravenna/Italy 2011™
FIFA Beach Soccer World Cup Ravenna/Italy 2011™
Final Tournament Standing
Tactical revolution unseats Brazil
As Sunday's final at Ravenna/Italy 2011 showed, times are changing in the world of beach soccer. Six years and 30 games after their last defeat in the competition, four-time world champions Brazil were swept aside 12-8 in the tournament's showpiece, comprehensively beaten not by a long-established force in the game, such as their 2005 conquerors Portugal, but by new pretenders Russia.
Aside from the end of Brazil's long reign and the emergence of a team with the potential to embark on one of their own, Sunday's dramatic match brought further evidence of a major shift in the sport of beach soccer, with Russia's flawless teamwork trumping Brazil's individual talent.
From the start of the competition it was clear that there would be fewer resounding victories than in previous tournaments, with every side, from the favourites down to the minnows, displaying a solid grasp of tactics and defensive organisation.
"It's incredible how tactical the game's become," Brazil coach Alexandre Soares told FIFA.com. "It was much harder to find spaces here, and for proof of that all you have to do is look at the scorelines and the way in which games unfolded."
No one suffered more as a result of the levelling of standards than Soares' side. Accustomed to winning big at the world finals, A Seleção's most handsome margin of victory en route to the 2011 final was a mere three goals, achieved in the 5-2 defeat of Mexico in the group phase. Having never lost a match in normal time in six FIFA Beach Soccer World Cup competitions, they then succumbed in three periods to the close-knit Russians, who spearheaded the tactical revolution witnessed in Ravenna.
"I'm happy to have a team like this, a team in which all 12 players have mastered the basics, know our system and lack nothing in terms of quality," said victorious Russia coach Mikhail Likhachev. "This is how a team sport should be."
In addition to their collective virtues, the eastern Europeans also boasted the tournament's outstanding player in captain Ilya Leonov, the man who made them tick and a grateful winner of the adidas Golden Ball.
"A lot of what we do revolves around him, and after the campaign we had I think it was a richly deserved award," added Likhachev, who also derived satisfaction at seeing goalkeeper Andrey Bukhlitskiy collect the adidas Golden Glove in recognition of his displays between the posts.
Underdogs rise upThe end of Brazil's beach soccer monopoly was not the only change afoot at Ravenna/Italy 2011, as the less-fancied nations punched above their weight, among them Oceania champions Tahiti. Making their maiden appearance at the competition, the 2013 hosts kicked off with a 5-2 victory over fellow new boys Venezuela, delighting the fans at the Stadio del Mare.
Though the Pacific Islanders failed to make it through the group phase, they could be proud of their efforts, as could the competition's other first-timers Oman, who opened the tournament by taking the lead against Argentina. A 3-1 defeat was followed by further losses to Portugal and El Salvador, but the Omanis far from disgraced themselves.
Senegal were another unfancied outfit to impress. Spurred on by their large band of dancing fans, the Lions of Teranga took the impressive Portuguese all the way to penalties in a thrilling quarter-final.
Nevertheless, the biggest fairy tale of them all was El Salvador's unlikely run to the semi-finals. Not even the most optimistic of their fans would have imagined they would still be in action on the last day of the tournament, especially after they kicked off with an 11-2 reverse at the hands of Portugal. That defeat was their seventh loss in as many FIFA Beach Soccer World Cup matches, the CONCACAF champions having lost all their games at Marseille 2008 and Dubai 2009.
Belying their status as whipping boys, the Central Americans then broke their duck against Oman, going on to upset Argentina to set up a quarter-final against the host nation. El Salvador's tournament tale then took a sensational twist as they ousted the Italians in extra-time, a triumph watched by a growing army of compatriots resident in Italy, who had a new hero to cheer in the form of Frank Velasquez. Dubbed "Romario" due to his squat frame and skill on the ball, the prolific striker made off with the adidas Bronze Ball and adidas Bronze Scorer awards.
Fellow forward Andre provided a telling reminder of the wealth of individual talent still at Brazil's disposal, hitting six goals in the final to end the tournament as the adidas Golden Scorer, while Portugal's Madjer was as lethal as ever in front of goal, finishing as one the top two scorers for the third time running.
And one other thing that did not change from previous tournaments was the electrifying atmosphere in the stadium, whipped up by a heady mix of non-stop music, the Beach Babes cheerleaders and goals, goals and more goals.
There will be more of the same in two years' time, when Russia will attempt to defend their crown in the idyllic surroundings of Tahiti. It promises to be quite a party.
ParticipantsArgentina, Brazil, El Salvador, Iran, Italy, Japan, Mexico, Nigeria, Oman, Portugal, Russia, Senegal, Switzerland, Tahiti, Ukraine and Venezuela
Final rankings1. Russia
El Salvador
Total goals269 (average 8.4 per match)
Top scorers
Andre (Brazil) - 14
Madjer (Portugal) - 12
Frank Velasquez (El Salvador) - 9
adidas Golden Ball: Ilya Leonov (Russia)
adidas Golden Scorer: Andre (Brazil)
adidas Golden Glove: Andrey Bukhlitskiy (Russia)


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Drink mixers Udi Shakya, left, and Paul Stauros, right, serve drinks to customers at the Minus 5 ice bar, on Monday, July 8, 2013 in New York. The city's first ice bar is now open at the Hilton Hotel on Sixth Avenue. Admission includes Eskimo-style gloves, parkas and boots for the privilege of drinking cocktails in the freezing Minus 5 Ice Bar. (AP Photo/Bebeto Matthews) |
NEW YORK (AP) — In the sweltering summer heat, New Yorkers are ready for the big chill — in midtown Manhattan.
The city's first ice bar is now open at the New York Hilton Midtown on Sixth Avenue. The $20 admission includes Eskimo-style gloves and a parka for the privilege of drinking cocktails in the freezing Minus5 Ice Bar.
The entire bar is made of ice.
"The walls, everything," manager Chris Eldridge said. "The chairs you're sitting on, the glass you're drinking out of, even the light above your head is made of ice."
Promoters say it's all carved out of "100 percent Canadian ice."
The truth is, it's special, extra-clear "carvers" ice — some from Canada, the rest from Philadelphia, Las Vegas and Minneapolis.
About 350 blocks of ice, each weighing up to 100 pounds, were used to create the cool surroundings that are meant to feel good on a Manhattan afternoon when temperatures soared into the 90s. Guests are accompanied to the meat locker-type bar door by "party starters" — hostesses clad in bustiers who don't venture into the cold.
The temperature inside? A soothing 23 degrees Fahrenheit.
That translates to minus-5 degrees on the Celsius scale — hence, the name.
Any heat-emitting devices that could melt the Arctic freeze — like cellphones — must be deposited in temperature-proof lockers at the door.
There are already two Minus5 bars in Las Vegas.
"An Experience that will chill you to your bones!" says the website of the company whose concept was created in New Zealand by Craig Ling, then tested as a pop-up igloo at the 2010 Vancouver Olympics. Ling is now a partner in the New York venture.
An ice carver will change the bar and sculptures every few months, with creations reflecting the season, location, wildlife, or even corporate logos and products for private functions.
The only concessions to warm comfort are some couches covered in faux deerskin.
Drinks reflect the icy clarity: mostly vodka-based cocktails in custom-designed glasses made from artesian water.
Bartender Paul Stavros was decked out for his eight-hour shift. He wore thermal underwear and snow boots, "just like winter in New York," the 27-year-old Stavros said.
A photographer roams the bar, producing images that guests can retrieve later to show family and friends.
The bar has a double personality. From 2 p.m., when it opens daily, to 7 p.m., children and families are welcome. After that, the establishment caters to a New York nightclub crowd.
In the heat of summer, it's the coolest experience in New York City — literally.
And it's a multimillion dollar endeavor. It cost over $5 million to build the Manhattan bar — "bricks, mortar, ice and all," said Noel Bowman, Minus5's director of operations.
"The timing couldn't have been better for us to open here, with temperatures in the 90s," Bowman said.
He expects the novelty to draw winter guests too, as do the Las Vegas bars.
All of them are built with a cost-saving factor.
For the drinks, "we don't have to use ice," deadpanned Eldridge.
Just don't put your glass on any surface, "or it'll slide off!"
Customer Kevin Parker, 36, a real estate broker, paid a little extra to wear a white faux-fur coat as he clutched the bar's "Big Apple" cocktail that includes Midori and lemon liqueur.
"It's like New York: sweet and tart."


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Position Summary...
What you'll do...
Provides pharmaceutical care to Customers, including processing and accurately dispensing prescription orders, counseling Customers regarding health care and prescription medication needs, maintaining confidential information, maintaining controlled medication and required documentation.
Models, enforces, and provides direction and guidance to Associates on proper Customer service approaches and techniques to ensure Customer needs, complaints, and issues are successfully resolved within Company guidelines and standards.
Ensures compliance with Company and legal policies, procedures, and regulations for assigned areas by analyzing and interpreting reports, implementing and monitoring loss prevention and safety controls, overseeing safety, operational, and quality assurance reviews, developing and implementing action plans, and providing direction and guidance on executing Company programs and strategic initiatives.
Maintains confidential information, documentation, and assigned records as required by Company policies, and local, State, and Federal guidelines.
Provides comprehensive patient care to customers by processing and accurately dispensing prescription orders; administering immunizations; counseling customers regarding health care and prescription medication needs; and maintaining confidential information, controlled medications and required documentation.
Demonstrates up-to-date expertise and applies this to the development, execution, and improvement of action plans by providing expert advice and guidance to others in the application of information and best practices; supporting and aligning efforts to meet customer and business needs; and building commitment for perspectives and rationales.
Provides and supports the implementation of business solutions by building relationships and partnerships with key stakeholders; identifying business needs; determining and carrying out necessary processes and practices; monitoring progress and results; recognizing and capitalizing on improvement opportunities; and adapting to competing demands, organizational changes, and new responsibilities.
Models compliance with company policies and procedures and supports company standards of ethics and integrity by incorporating these into the development and implementation of business plans; using the Open Door Policy; and demonstrating and assisting others with how to apply these in executing business processes and practices.
Live our Values
Culture Champion
* Models the Walmart values to foster our culture; holds oneself and others accountable; and supports Walmart's commitment to communities, social justice, corporate social responsibility, and sustainability; maintains and promotes the highest standards of integrity, ethics and compliance.
Servant Leadership
* Acts as an altruistic servant leader and is consistently humble, self-aware, honest, and transparent.
Embrace Change
Curiosity & Courage
* Demonstrates curiosity and a growth mindset; fosters an environment that supports learning, innovation, and intelligent risk-taking; and exhibits resilience in the face of setbacks.
Digital Transformation & Change
* Seeks and implements continuous improvements and encourages the team to leverage new digital tools and ways of working.
Deliver for the Customer
Customer Focus
* Delivers expected business results while putting the customer first and consistently applying an omni-merchant mindset and the EDLP and EDLC business models to all plans.
Strategic Thinking
* Adopts a holistic perspective that considers data, analytics, customer insights, and different parts of the business when making plans and shaping the team's strategy.
Focus on our Associates
Diversity, Equity & Inclusion
* Identifies, attracts, and retains diverse and inclusive team members; builds a high-performing team; embraces diversity in all its forms; and actively supports diversity goal programs.
Collaboration & Influence
* Builds strong and trusting relationships with team members and business partners; works collaboratively and cross-functionally to achieve objectives; and communicates with energy and positivity to motivate, influence, and inspire commitment and action.
Talent Management
* Creates a discipline and focus around developing talent, promotes an environment allowing everyone to bring their best selves to work, empowers associates and partners to act in the best interest of the customer and company, and regularly recognizes others' contributions and accomplishments.
Minimum Qualifications...
Outlined below are the required minimum qualifications for this position. If none are listed, there are no minimum qualifications.
Minimum Qualifications: Bachelor's Degree in Pharmacy or PharmD degree, or equivalent FPGE (NABP). Pharmacy license (by job entry date). Completion of an ACPE Accredited Immunization training program (for example, APhA, Pharmacy School Curriculum, State Pharmacy Association sponsored).
Preferred Qualifications...
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Thursday, November 5, 2009
Dream Spaces
10 comments:
- Maria said...
Love the top room with the pops of green!!
- November 5, 2009 at 9:54 AM
- eve said...
whites are always my favorite. you can't miss with that choice
- November 5, 2009 at 10:50 AM
- Linda@ Lime in the Coconut said...
I could cuddle up with a good book...pronto!
- November 5, 2009 at 11:01 AM
- Jennifer Lee said...
I especially like the 2nd picture, the headboard on that bed is gorgeous :)
White just makes everything so crisp and clean. - November 5, 2009 at 11:15 AM
- Kiwifruit-Shiree said...
I love looking at your piccies - thank you! White is not always a great colour to live with, particularly if you have children or a messy husband - but it certainly has that WOW factor, and looks wonderful. A great colour choice for small areas, and they look so much more spacious, even if that is an illusion, dreamy bedrooms!
- November 5, 2009 at 2:03 PM
- Annabelle said...
I wouldn't mind being in picture 3 right now getting all cozy with that furry throw & a good book or movie!
- November 5, 2009 at 2:41 PM
- Marie said...
Those bedrooms are dreamy indeed. So clean and relaxing.
-marie - November 5, 2009 at 4:09 PM
- Laurie said...
I love these! The snow covering the ground this morning made me want to stay in bed, and so do these photos! So beautiful!
- November 6, 2009 at 8:47 AM
- Janean said...
i'm all over the whites and creams. yum!!!!!
- November 10, 2009 at 6:43 PM
- Thomas said...
i agree! love white/cream for the bed linens
- November 15, 2009 at 6:00 PM


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JERUSALEM (JTA) — Israel's Knesset passed a law requiring haredi Orthodox yeshiva students to serve in the Israel Defense Forces.
The controversial law, which removes most exemptions for haredi Orthodox yeshiva students, passed Wednesday by a vote of 65 to 1. The single vote against the law was from the Jewish Home Party's Yoni Chetboun, who was sanctioned by the coalition for his vote.
The opposition parties boycotted the vote after the government coalition limited debate on the bill as well as two other controversial bills: the Governance Act, which was passed on Tuesday and raises the election threshold to 3.25 percent, and the referendum bill, scheduled for a vote on Thursday and which requires that any peace deal that would cede land to be submitted to a referendum.
Under the military draft law prepared by the Shaked Committee, haredi men would be criminally charged for evading the draft, but the penalties would not go into effect until 2017. In addition, draft orders for haredi men up to age 26 will not go into effect until up to a year after the law is implemented.
The Tal Law, which allowed haredi men to defer army service indefinitely, was invalidated by the Supreme Court in February 2012 and expired in August that year. Haredi yeshiva students since then have had their drafts deferred.
Hundreds of thousands of haredi Orthodox men protested earlier this month Jerusalem against the new law. A similar and smaller prayer rally was held in New York lover the weekend.
"Israel today lost the right to call itself a Jewish or a democratic nation," Moshe Gafni of the haredi Orthdox United Torah Judaism Party said after the vote. "The haredi community will not forget this and it will not forgive [Prime Minister Benjamin] Netanyahu and his partners for trampling on the delicate fabric that binds the different communities in Israel."
The law fulfills a campaign promise by Yair Lapid, head of the centrist Yesh Atid party.


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Information on Florida Beaches
The Florida Beaches
When many people think of Florida the first thoughts they have are sunshine and beaches. That's because Florida has gorgeous sunshine year round and breathtaking white sandy beaches that attract residents and visitors year round. Some beaches are more well-known such as The Florida Keys, Miami's South Beach. The east coast has Daytona and Cocoa Beach and on the west coast there is St. Petersburg and Clearwater Beach. Panama City has also become a popular spring break and summer getaway for younger beach goers who are looking for a great place to unwind and enjoy the sun. No matter which location you choose, you can't go wrong. Most locations have taken great care in preserving their shorelines, placing boardwalks or piers to sight see from, and offer low priced and upscale hotels and condominiums to enjoy. Whether you are looking for a seasonal getaway or want to call one of these seaside locations home, you will not be disappointed. Florida is blessed with warm weather almost year round which makes it a great place to stroll in the sand, splash in the water, enjoy a sunset or take advantage of the beachside restaurants that provide lively entertainment and night life.
Florida is surrounded by great waterways to enjoy. You can charter a boat or Jet Ski to play on the water. A good captain will be able to help you catch snook, grouper or the many other types of fish in these waters! You can take sight seeing cruises where you can see dolphins, sea turtles or go to many small or remote islands off these coasts. The Florida Keys is an ocean lovers paradise and popular for lobster catching, snorkeling or scuba diving. It has great live coral and the scenery is breathtaking.
Recently, many beaches have started to expand to not just offer daytime activities but to really spice up their night life. Visitors were coming to this area and spending their days at the shore and their nights in larger cities nearby. These cities decided they wanted their visitors to stay nearby and have taken an interest in offering beachside entertainment such as bands, magicians, and street vendors. Local restaurants and hotels have begun serving appetizers and drinks out on the patio areas and people have started to enjoy sitting by the ocean at night listing to the crashing waves. Now these beachside locations are some of the most popular in town!
Florida Real Estate has always been very popular on the water. Hotels are remodeling to attract more guests. Condominiums and town homes are undergoing renovations to update their facilities and offer more amenities to their owners. Waterfront property has never been more popular. If you are looking for a great place to vacation or live, don't miss the Florida Beaches. These white sand beaches overlook some of the best water and sea life. View dolphins splashing in the water or go for a day of fishing and you will see why so many people come to Florida year round!


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Our mission statement says it all: we help large companies simplify their complex budgeting process, rapidly and inexpensively.
What does that mean in plain English? It means if budgeting and forecasting has become a really painful process for you, then we can help you budget the easy way and it won't put a dent in your bank account.
The famous management guru, Stephen Covey said: "people and their managers are working so hard to ensure
things are done right
that they hardly have time to decide if they are
doing the right things
". This quote encapsulates what we do brilliantly. Our objective is not to just implement a budgeting and planning system and walk out of the door, but to truly understand how this new system will improve your business process and performance, and importantly ensure that it is aligned to your strategic objectives. Okay we admit this sounds like consultancy talk so what do we really mean here? Well, it is pretty easy to lock ourselves away for 2 weeks and build an application that we hand over to you at the end of that period. But how much value is that if your users still do most of the work around this shiny new system in their individual spreadsheets and then just type in the end results into the new system.
How much more value would we have added if the client has a strategy that talks about providing "outstanding customer service that is best in class" and we have no way of measuring or tracking that within the new application.
So, what we do is more than just software
implementation. Our first week with the client is about learning about their business at a fundamental level, and understanding how this new system will fit into the current strategic and technology intiatives. We then work with the client to see how we can use this opportunity to capture some of the strategic measures that enable the organization evaluate and manage their performance. Only after this step is complete and the client has a business requirements document in their hands that all the parties sign up to because it successfully captures the scope and objectives of the project that we start building the system.
What we do
So what problems are we trying to solve? Well, the first one is spreadsheet hell! You know the one, you have scores and hundreds of spreadsheets you are consolidating and it takes you 4 months to complete the budgeting cycle. Any kind of reporting or re-forecasting is an absolute nightmare. Oh, the last person who designed this beast has moved on and nobody dares change it, so you are stuck with this template that probably has some embedded errors. The second is managing the budgeting process itself so you move away from just gathering data to applying more financial intelligence to the data you've actually collected.
You know, do stuff like sophisticated what-if and scenario analysis across all departments, regions, companies etc.
Well, you will be glad to know that there is a better way. Using a reliably hosted software solution you could reduce your budgeting cycle by up to 90% and you will be able to reforecast to your heart's content in just a few clicks. Even better, you can get your users trained in an hour or so and they will be ready to start budgeting. Sounds too good to be true? Well don't take our word for it, see for yourself...
Client testimonial
I was very impressed by the technical knowledge exhibited by our consultant. He had a firm grasp of not only the technology, but of the financial function within an organization like ours. What I really valued however, was the fact that he always promptly responded whenever we reached out for help, even long after the project was completed.
Director of Accounting Consolidations
-Equipment Rental Company
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Located in Simcoe County, the town of Penetanguishene has a population of 8,962 residents and is known for its attractive harbor. Residents of Penetanguishene often find it challenging to access immediate medical care. There are only a few walk-in clinics in town and many have limited hours of operation. For instance, The Village Clinic at 101 Thompsons Rd. is only open until 6pm on weekdays and is not open on weekends. If you require medical care after hours, even for a minor health issue, your only alternative is to go to Georgian Bay General Hospital at 25 Jeffery St. and wait for hours to see a doctor.
Virtual Health Clinic has addressed these difficulties by offering online health and wellness services to the residents of Penetanguishene. Residents can access a variety of medical services online from any location, from 8am to 9pm, 365 days a year including statutory holidays. Using their phone or computer, patients can speak with an online medical provider almost instantly and get their health concern assessed, diagnosed and treated. Through our virtual clinic patients can also receive new prescriptions and refills, lab requisitions, specialist referrals, medical notes, and more.
Book an appointment online at www.virtualhealthclinic.com or you may request an appointment by calling or texting 844-222-7200.
book your online doctorSafely and securely consult with our healthcare providers about your health concern. Be assessed, diagnosed, and treated all in one place, virtually.
consult a doctor nowDuring your consultation, our healthcare providers can diagnose your condition and write any required prescriptions to be sent to your preferred pharmacy. Forms will be filled out at the discretion of the provider and emailed to you or made available for download from your free Virtual Health Clinic account.
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I've said it before: I love grissini. These thin, dry bread sticks are a perennial crowd-pleaser — rustically beautiful, always whimsical but never frivolous, a snap to make and (literally) to eat. Their flavor is eminently versatile, subject to the baker's inclination — the toss of a fennel or sesame seed here, the grind of a pepper mill there. I've made them plenty of times, sourdough or straight, and they've been toothsome and quick to disappear every time.
These are better, and I have the numbers to prove it.
I would not presume to say that the addition of ground flaxseed and a bit of rye flour to the dough make the grissini taste better, as that is a matter of, well, taste. My taste says they taste pretty fine. My daughter's taste says so, too.
But even if you disagree with our taste (and I don't think you will), numbers don't lie. Consider these numbers:
- Alpha-linolenic acid (ALA) is an essential omega-3 fatty acid.
- Dozens of studies have shown diets rich in ALA to be associated with beneficial health effects, including decreased risk of heart disease and some cancers.
- The Institute of Medicine sets the adequate daily intake of ALA to 1.1 g for women and 1.6 g for men.
- One grissino contains approximately one teaspoon of flaxseed, which provides 570 mg (.57 g) of ALA.
- If you have two X-chromosomes, two grissini and you're covered, ALA-wise. For the other half of us, make it three.
So, bottom line? They taste good.
Flaxseed Grissini
Yield: 24 grissini
- Mix: 5 minutes
- First fermentation: about 1 hour
- Shape: 10 minutes per sheet of 12
- Bake: 30 minutes per sheet of 12
Dough Ingredients:
- 150 g flour
- 23 g rye or whole wheat flour
- 53 g ground flaxseeds (flax meal)
- 4.5 g (3/4 t.) salt
- 2.3 g (scant 3/4 t.) instant yeast
- 149 g cold water
- 11 g olive oil
Topping Suggestions:
- coarse salt and coarsely-ground pepper, alone or with the addition of one or more of these:
- whole flax seeds
- whole or coarsely chopped fennel seeds (use sparingly as the flavor is strong)
- sesame seeds
- coarse semolina
- …
- and olive oil for spraying
- In the bowl of a food processor with the metal blade, combine the flour, rye flour, flaxseed, salt, and yeast. Pulse to combine.
- In a liquid measuring cup, combine the water and the olive oil. With the processor running, add the liquids to the dry ingredients in a thin stream.
- Continue processing until the dough more or less holds together (it will not form a ball because it is too sticky at this point), and for about 30 seconds beyond that. The total processing time should be about 90 seconds.
- Transfer the dough to a lightly oiled, covered container. Don't worry that the dough is sticky; it will become less so as the flax absorbs water over the fermentation period.
- Ferment at room temperature until the dough doubles in volume, about one hour.
- Meanwhile, preheat the oven to 350F and line two baking sheets with parchment paper.
- Divide the dough into two pieces. While working with the first piece, cover and refrigerate the other.
- On a lightly-floured counter, pat the dough into a rectangle of roughly 8 x 4 inches. The exact dimensions are not critical, but it should be uniformly thick.
- Sprinkle the dough evenly with your choice of topping(s).
- With a pizza cutter or chef's knife, cut the dough into 12 strips.
- On a flour-free section of counter, roll each dough strip into a snake the length of your baking sheet. Space them evenly across the sheet.
- Spray the grissini lightly with olive oil.
- Bake for 25 – 30 minutes, until well browned.
- Cool on a wire rack.


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Jerry Brust, IPM Vegetable Specialist, University of Maryland; email@example.com and Karen Rane, Extension Specialist Entomology, University of Maryland firstname.lastname@example.com
We have seen very high populations of striped cucumber beetles on squash, pumpkins, cantaloupe, watermelon and other cucurbits over the last few weeks. These populations at times have reached over 20-30 beetles per plant. If a spray was missed or plants were not thoroughly covered with an insecticide application the beetles would soon consume that unprotected area very rapidly (Fig. 1). This area is often times the base of the plant. This is especially true if the cucurbits are sprayed with an air-blast sprayer. While air-blast sprayers do a good job of covering leaves with material, they often do not do a great job of covering the base of a plant and heavy feeding can occur (Fig. 2). The feeding can lead to plants being girdled by beetles or can lead to bacterial wilt infection—even though the leaves of the plant show almost no feeding. This feeding by the beetles also opens the base of the stem to infection from soil organisms and greater rates of Fusarium and bacterial soft rots are possible. When beetle populations are this high the base of the plant, even more so than the foliage, needs to be protected from heavy feeding.
Figure 1. Two squash leaves fed upon heavily by striped cucumber beetles because of the lack of good spray coverage.
Figure 2. Base of pumpkin plants damaged by striped cucumber beetles due to poor spray coverage


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In the Taking of Pelham 123, Denzel Washington stars as New York City subway dispatcher, Walter Garber, whose ordinary day is thrown into chaos by an audacious crime: the hijacking of a subway train. John Travolta stars as Ryder, the criminal mastermind who, as leader of a highly-armed gang of four, threatens to execute the trains passengers unless a large ransome is paid within one hour. As the tension mounts beneath his feet, Garber employs his vast knowledge of the subway system in a battle to outwit Ryder and save the hostages. But there's one riddle Garber can't solve: even if the thieves get the money, how can they possibly escape?
- 1 hr 46 minChildren under 17 may not attend R-rated movies unaccompanied by a parent or adult guardian. Children ages 6 and under are not allowed at R-rated movies after 6pm.R
- Jun 12, 2009
- Action


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Blogging platform Medium has released a simple app for the iPhone that allows users to read articles from the site. They're presented as a feed that's recommended for you automatically, though articles that have been recommended by people you follow feature their mug shot next to the title.
The app does not, in its current incarnation, feature any writing or composition features — this is for reading things on Medium only, not creating them.
Twitter co-founder and Medium creator Ev Williams has posted an article about what the Medium app is about, and he says that, after consideration, the team decided to produce an app created just for reading.
"When we started working on this six months ago," says Williams, "we debated a lot about the purpose of the app. Was it just for reading? Should you write on it? If just for reading, what would be better about it than just using the mobile web."
The differences, says Williams, came in the details. Things that allowed them to make the articles display faster and that let them improve the layout. Things that made it "better than the web" in terms of reading experience.
When you launch the app, you're asked to sign in with your Twitter account. Then you begin reading.
There is no index of your feed; you simply swipe to move backwards or forwards through articles. The app does include a simple feed of stories in a given Collection, however. Tapping on a collection name either at the top or bottom of an article will take you to this view. But that's the only way to navigate around the various components of Medium. Otherwise the app is an exercise in restraint, presenting an extremely focused way to read, just read, Medium.
Tapping on an author will give you a similar list of just the stories they've written.
There will no doubt be a few folks who are confused by the lack of editing tools in the app — at least to start. But I think it's admirable to focus on offering the best reading experience possible, rather than trying for a breadth of features done "just well enough." It also speaks to the expressed desire of Williams and his team to move us away from "news bites" and toward pieces that consider things more deeply.
I did experience a couple of crashes within the first few minutes of using the app — especially when navigating to a category via the link at the bottom of a post. But hopefully those are just launch-day jitters.
Medium has garnered a bit of a reputation for harboring pieces that are ... less than self-aware. And multiple times over the past few months, it has been host to this or that controversial take on life, the universe and everything. The alternative, though, is for it not to be talked about at all — so I think we know which one they'd choose.
Anyhow, Medium aficionados now have an iPhone app that reflects the clever and crisp design work done on the website itself — though it's only for looking and liking, not writing. No word on an Android client.


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Create a Website Account - Manage notification subscriptions, save form progress and more.
Applicants must:
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Follow all directions carefully. Failure to comply with the provided instructions may be grounds for rejection of your application:
To apply for employment you must complete and submit the following hiring forms:
Both forms are Available in the right column of our Career Opportunities page.
Deputies are allowed to have mustaches and beards as long as they are kept well-groomed and maintained for a professional image.
Tattoos are allowed with the following requirements: While on duty, excessive tattooing, body art, or brandings shall not be exposed or visible (including through the uniform). "Excessive" is defined as any tattoo, body art, or branding that exceeds one-third of the exposed body part.
An employee shall not have any tattoos on the head, face, neck, scalp, hands, or visible teeth (excluding orthodontic appliances); unless authorized by the Sheriff. Any pre-existing tattoos, body art, or branding on any of these areas will either be removed or covered by cosmetics or clothing. Any visible tattoos, body art, or branding that are obscene, advocate or symbolize gang, extremist groups, drug use, or sexual discrimination shall not be permitted, unless authorized by the Sheriff.
If you require additional time to request any of the required documents (i.e., birth certificate, diploma, social security card, etc.) from its original source, please reference the specific document missing, the reason and your estimate of the time required to obtain and submit it to the Sheriff's Office in your cover letter.
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LEED 2012 for data centers and healthcare
In an effort to be more market-focused, LEED 2012 tackles data centers and hospitals, buildings that often have a more difficult time achieving LEED certification because of their significant energy and uptime demands.
In an effort to be more market-focused, LEED 2012 tackles data centers and hospitals, buildings that often have a more difficult time achieving LEED certification because of their significant energy and uptime demands. LEED 2012 gives these buildings a different benchmark by which to measure their energy savings, recognizing that reduction is difficult and therefore providing them more of an opportunity to achieve it.
Data centers
EA Prerequisite 1: Combined building and IT energy use must be 10% less than the ASHRAE 90.1-2010 baseline. Power utilization effectiveness (PUE) must be reported and two systems must be modeled: one for the building's energy costs and another for IT energy costs. PUE is the ratio of total data center energy use including process loads to regulated energy use (HVAC and lighting). Finally, a 30% energy savings from the data center's nonprocess load, i.e., building power and cooling infrastructure, must be documented.
EA Credit – Enhanced Commissioning: Depending on the size of the peak cooling load, additional design and submittal reviews are required. For projects with peak cooling loads of <2 million Btuh or a total computer room peak cooling load of < 600,000 Btuh, the commissioning agent must conduct design reviews, including reviews of the OPR and BOD, at 95% design development and at 50% construction design. For projects with peak cooling loads of >2 million Btuh or total computer room peak cooling loads of >600,000 Btuh, the commissioning agent will conduct design reviews, including reviews of the OPR and BOD, prior to the start of the design, at 100% design development, and at 50% construction design.
EA Credit – Optimized Energy Performance: Typical buildings can be awarded up to 18 LEED points, but with LEED 2012, hospitals can now earn up to 20 points. Because hospitals have such large process loads and larger outside air requirements than typical commercial buildings, LEED 2012 will reward a hospital with more points for energy reductions similar to other building types. For example, a 12% reduction in energy expenditure will earn a hospital an extra point over a 12% reduction for another building type.
Vallort leads the Energy + Eco Services group at ESD. Vallort has served as project manager, commissioning agent, design engineer, and LEED consultant on various projects ranging from multimillion-dollar campus-wide projects to individual site commissioning services. Lorenz serves as a project manager and sustainability specialist for ESD. As the LEED consultant on many projects, Lorenz helps buildings optimize building energy performance as well as meet LEED documentation and certification requirements.
Do you have experience and expertise with the topics mentioned in this content? You should consider contributing to our CFE Media editorial team and getting the recognition you and your company deserve. Click here to start this process.


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"Best Tampa Bay Buccaneers Hawaiian Shirt Style Hitshirtsus" is about the topic NFL Hawaiian Shirt. Produced and distributed exclusively by the Hitshirtsus store, all of our products are quality tested to US standards. Customers are careful to choose the right size and color for them before paying.
Material: Crafted from 100% polyester, this shirt offers a luxuriously soft and smooth texture that ensures optimal comfort. It comes with an open collar and circular buttons for added style. Kindly note that there may be a slight discrepancy of 1cm-3cm in the measurements due to manual handling. Also, please note that the color of the shirt might differ slightly from the product images due to the variations in light intensity during photography, caused by the production batch.Color: By design.
- Hawaiian Shirt: from S to 5XL
- Long Sleeve Hawaiian Shirt: from S to 5XL
- Kids' Hawaiian Shirt: from XS to XL
- Hawaiian Shirt
- Long Sleeve Hawaiian Shirt
- Kids' Hawaiian Shirt


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Create a Website Account - Manage notification subscriptions, save form progress and more.
Colonel Richard Frizzell was born in New York and attended Niagara County Community College where he received his Associates of Arts in 1965, he then went to receive his Bachelor of Science in Education and Social Studies from State University College in Buffalo, New York in 1967. He received his Master's Certificate, Secondary Education in 1970 and Received his Master's Degree in International Relations in 1997 from Troy State University of Alabama.
Colonel Frizzell served in the United States Army and Army Reserves from 1958 to 1993. He later worked on the Charlton County Board of Education in Folkston, GA as the Director/Instructor of Alternative School from 1995 – 1998. Colonel Frizzell worked for the Camden County Board of Education from 1997 – 2007 as a Middle School Teacher and is currently working for College of Coastal Georgia as a Professor of Political Sciences and International Relations, American Government and Georgia State Government.
Colonel Frizzell was appointed to the Board of Assessors in March of 2009. Colonel Frizzell was awarded with the Adjunct Professor of the Year at Coastal Georgia Community College, 2005 – 2006, received the Niagara County Community College Alumni Award for Educational Excellence, the United States Army Logistics Program of Excellence Award and other various Military Awards.
Colonel Frizzell lives in Saint Marys with his wife Allison. He has five adult children, thirteen grandchildren and seven great grandchildren.


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These ones were my first test of my new BPA-free, re-usable canning lids from Tatler that I got for Christmas. One reason to can is that you can avoid the BPA lining that most commercial canned goods have, but the lids still have a coating that has BPA in it. While the food doesn't sit in contact with the lid, I think I'd prefer to avoid it if I can do so easily, plus these are re-usable, which will be nice. I was a bit worried about the system, but so far so good, and I think I'll buy a bunch more, as I don't want to feel like I need to "save" them.
To test it properly, I made home-made English muffins, from this recipe from King Arthur Flour. They were very tasty, but the dough was really sticky and hard to deal with, and they had to rise a really long time, even in a warmed oven, and then took a long time to cook on the stove. I think they were too much trouble for not enough improvement on store-bought to make them a regular thing. They proved admirable marmalade vehicles though, and I very much enjoyed them on a cold winter morning.


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Recent stories about Portland's Green Streets and Ecoroofs
Jan 16, 2014 at 11:47 AM 0 Comments
Here's an article from Sustainable Business Oregon that highlights Portland's green streets .
There's a nice photo show and a shout-out to one of our Green Street Steward partners, Next Adventure.
And, check out this update on Portland's ecoroofs on Greenroofs.com, by Environmental Services' landscape architect Casey Cunningham.
And now, enough about stormwater -- get out and enjoy the sun while we have it!
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- City Fajr Shuruq Duhr Asr Magrib Isha
- Dubai 05:26 06:39 12:34 15:52 18:24 19:37
A federal judge in Chicago says he dressed as a nun to help him find a defendant guilty of bank robbery.
Navahcia (nah-vah-CEE'-ah) Edwards and her fiance, Lyndon Wesley, were accused of robbing a Palos Heights bank in May 2011 wearing nun masks. The Chicago Sun-Times reports that bank tellers said they could see the robbers' skin through the masks' eyeholes, and identified them both as African American.
Edwards is African American. Edwards' attorney Charles Aron claimed Wesley robbed the bank with a white accomplice who blackened her face.
US District Judge Matthew Kennelly noted that when he wore a similar nun mask in his chambers, the white skin around his eyes was clearly visible.
Kennelly also pointed out that Edwards had purchased nun masks online.
(Home page image courtesy Shutterstock)
Follow Emirates 24|7 on Google News.


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This skill defines how difficult the soldering is on a particular product. It might be a couple simple solder joints, or require special reflow tools.
Noob - Some basic soldering is required, but it is limited to a just a few pins, basic through-hole soldering, and couple (if any) polarized components. A basic soldering iron is all you should need.
Rookie - The number of pins increases, and you will have to determine polarity of components and some of the components might be a bit trickier or close together. You might need solder wick or flux.
Competent - You will encounter surface mount components and basic SMD soldering techniques are required.
Experienced - You might be required to do some reflow or basic rework with SMD components. A heat gun, Heaterizer or other tools might be required, and a good understanding of SMD soldering as well as PTH soldering are required.
Expert - You will be required to have a firm understanding of both SMD and PTH soldering and are comfortable with rework as well. You are required to solder difficult packages like a BGA.
Want to advance your skill levels? Check out the Tutorials Section over at learn.sparkfun.com!


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First, there was the New York Times article "Money, Politics, and Its Suckers." The author declared, "Swanee Hunt got Vienna from Bill Clinton." Twenty years later, browsing similar headlines about Caroline Kennedy upon her nomination as US ambassador to Japan, I offer her the advice given me: Pay them no mind.
At the time of my nomination as ambassador, "got Vienna" and its insinuation pained me. My husband, Charles Ansbacher, was an ensconced leader in Colorado's arts, our foundation was serving the state's most vulnerable, and we had three children (one with a debilitating illness). I didn't want to disrupt our lives, but I was drawn to serving my country and an inspiring president. Given her family's tradition of service and her long-expressed admiration for President Obama, I imagine that Kennedy feels similarly.
The ambassador-designate might also share my weariness of jaded coverage when it comes to political appointments. Her critics have pounced, claiming this is nothing more than a political payoff. Yet in the last 50 years, nine of the 13 US ambassadors to Tokyo have been political appointees. So, too, have many of our nation's great diplomats, such as Benjamin Franklin (sent to France as America's first ambassador), Henry Morgenthau Sr., and John Kenneth Galbraith.
Without assuming Senate confirmation, we can let ourselves imagine: Kennedy's White House ties and political astuteness will serve her splendidly in Japan. In a country captivated by the Kennedy aura, her fame will signal the importance of America's ties to Japan and quell concern that our attention is disproportionately relegated to China. Celebrity aside, Kennedy stands on her own merit. A graduate of Harvard College and Columbia Law School, author and editor of nine bestselling books, she is also president of the John F. Kennedy Library Foundation and chair of the advisory committee for Harvard's Institute of Politics.
Add a future feat: As the first female ambassador to the country, Caroline Kennedy will have a powerful platform in one of the world's most dangerous regions as she advances issues critical to America. She'll take the diplomatic helm as tensions with China are being played out over the disputed Senkaku Islands. But the most frightening danger is North Korea's increasing threats of a nuclear holocaust. As the United States is long on military hard power, this diplomatic plenipotentiary will use her "soft power" of intuitive and respectful finesse to disarm belligerents.
Born and bred in the political world, Caroline Kennedy has a superb understanding of Washington. Her parents were masterful at identifying with other cultures, and she exudes these familial hallmarks — particularly the consummate skill of listening. Decisions of war and peace are rightly made in Washington, while an American ambassador has a seat at the table having developed trusting relationships with political leaders and citizens alike. That's an ideal role for a person with her on-the-ground sensibility.
Like Kennedy will, I ended up in a region with geopolitical implications. Yugoslavia was suffering unending travail, with concentration camps, systematic rape, and horrific massacres. There was fear that the Orthodox/Muslim split could extend south to Greece and Turkey, cracking apart NATO. Europe was divided about whether to intervene. Russia and the United States were in a standoff.
Looking back to that NYT critique, it's true that I "got" a great deal from my appointment — but I gave a lot, too. In addition to hosting peace negotiations for the Yugoslavian wars, I developed a strategy to empower women, given their "vital voices" in creating economic and political stability. Of course, Kennedy will determine her own platform, but I hope she'll include the status of women in the region: According to the World Economic Forum, Japan ranks 101 of 135 countries in gender equality. Combining roles of mother, lawyer, writer, and advocate, she'll be a model for Japanese women, famously struggling with cultural assumptions that they must choose between family and work.
And now, may I address you directly, Caroline? Put aside the daily papers as you prepare for your historic moment. Your father described a New Frontier of "unknown opportunities and perils . . . unsolved problems of peace and war." But he also believed that "the times demand new invention, innovation, imagination, decision." What an extraordinary match for Japanese culture, as you offer innovation built upon and beyond solid legacy: The ninth public servant in four generations of Kennedys, you'll be extending a commitment of the most politically influential family in our country's history. Now that's a theme worth the attention of the chatterati.
Former US Ambassador Swanee Hunt is the Eleanor Roosevelt lecturer in public policy at Harvard's Kennedy School of Government where she founded the Women and Public Policy Program.


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In his 30 years of coaching high school ball in the Pacific Palisades neighborhood of Los Angeles, Jerry Marvin did not meet a more agreeable kid than Steve Kerr. The teenager never challenged Marvin's authority or put his own interests ahead of the team's in the hope of attracting the recruiters who were off chasing faster, better guards.
But there was a good reason major colleges didn't find Kerr worthy of a scholarship -- Marvin didn't, either. "To be honest with you, no, I didn't think Steve was a Division I player," he said recently by phone. "He was a coach's dream, so smart and unselfish. But people thought, 'Hey, look, you're a slow white guy who can't dunk.'"
Marvin had coached Kiki Vandeweghe, so he knew a can't-miss prospect when he saw one. Kerr? Marvin did what he could for him. Gonzaga brought in Kerr for a look, then bailed after John Stockton treated him like a drill cone in scrimmages. Marvin persuaded the new coach at the University of Arizona, Lute Olson, to drop by a summer league game, and they sat together in the stands while Kerr was busy underwhelming the guest of honor.
Marvin told Olson all about Kerr's kindness and intangible grace. "I don't think Steve will ever play any for me," Olson said, "but I have an opening, and he sounds like the kind of kid I'd like to have on the squad."
Kerr freed himself from a verbal commitment to Cal State Fullerton and became a star at Arizona, a shooter good enough to lead the Wildcats to the 1988 Final Four and to make himself the 50th pick in that June's draft. He won three championship rings with Phil Jackson and Michael Jordan in Chicago, then two more with Gregg Popovich and Tim Duncan in San Antonio, before becoming a TNT broadcaster, the general manager of the Phoenix Suns and now the coach of the Golden State Warriors.
Kerr's has been a wildly improbable basketball journey. When Marvin was asked what he would have said 30 years ago if someone had told him Kerr would go on to win five NBA titles, make one championship-clinching shot off a pass from the greatest player of all time and become the most accurate 3-point shooter in league history, the retired coach said, "I would've laughed him out of the gym, no offense to Steve."
No offense taken. Kerr has long held a humble view on a charmed career path he never saw coming, one that now leaves him coaching a Warriors team with a far superior roster to the team in New York that could've been his. For a deal of five years and $25 million, Kerr stunned the basketball world by remaining true to his California roots and rejecting an offer from his mentor, Phil Jackson, to take over the Knicks. Golden State represents the former UCLA ball boy's first coaching job since he helped John Wooden's scorekeeper, Herb Furth, run a junior high league while playing for the Pacific Palisades varsity.
In the days before the Warriors hired Kerr, Marvin was thrilled that his former player had exceeded his expectations. "Nobody knows the game better than Steve," he maintained, "and it couldn't happen to a nicer guy."
But the old coach has been around long enough to know where nice guys usually finish.
"It doesn't seem that Steve's enough of a jerk to be a really successful coach," Marvin said. "Is he mean enough or nasty enough to get on people, which you have to do as a coach?"
In other words, is he tough enough for this unforgiving task of driving a group of professional athletes toward a title?
Truth is, Stephen Douglas Kerr, son of a slain American hero, answered that question a long time ago.
Malcolm Kerr said he loved only one thing more than watching one of his three sons, Steve, play basketball, and that was serving as president of American University of Beirut. The Kerrs represented three generations of world travelers and cultural bridge builders between the U.S. and the Middle East. They were the living, breathing antithesis of the ugly-American stereotype, and Steve had never seen his father more excited than he was the day Menachem Begin, Anwar Sadat and Jimmy Carter shook hands at the signing of the Camp David Accords.
But the Kerr patriarch was invested enough in his boy's jumper to call Olson to nail down that scholarship to Arizona, where Steve was booked for a seat at the end of the bench. Steve's older brother, John, would write him from Egypt, encouraging him to keep working the problem as he moved up from Olson's fifth guard to the fourth, and then from the fourth to the third. John had reason for optimism all along: He had seen Steve, as a ninth-grader living in Cairo, drop 40 points on an Egyptian club team comprising men in their 20s before a club official offered him a monthly salary, a car and an apartment the next day if he'd join their team. (The Kerrs figured Steve was better off keeping his NCAA eligibility.)
John was visiting his parents in Beirut at Christmastime 1983 when the grainy tape of one of Steve's first college games arrived from the States. "It was one camera view from midcourt, from the concourse, and Arizona had three different guards with blond hair," recalled John, now a professor of international development at Michigan State. "We finally figured out which one was Steve, and we saw him score some points. I can say it was a highlight of my father's life to watch Steve playing in an NCAA game."
That life suddenly ended weeks later, on Jan. 18, 1984, when two Islamic terrorists ambushed Malcolm outside his university office and shot him in the back of the head for the crime of being an American.
Lebanon had descended into civil war, and an anti-Western fervor colored the chaos. The 52-year-old educator, peacemaker and author who dedicated his everything to improving relations between the U.S. and the Arab world was murdered in the same building where he had met his wife, Ann, in 1954, and was pronounced dead in the same hospital where he had been born.
Andrew, at 15 the youngest of the Kerr children, heard about his father's assassination on a radio while eating lunch at his Beirut school a few blocks away. John was out of college and working in agricultural economics in Egypt, cherishing every minute of the adventure, when he got the devastating news. Susan, the one daughter, was enjoying her newlywed life in Taiwan when she took the phone call from her mother.
In her book, "One Family's Response To Terrorism: A Daughter's Memoir," Susan wrote that she was consumed for years by an image of the fatal bullet killing her father, of it "ruining his fantastic brain" before striking every member of the family, including the one living out his student-athlete dream in the U.S. "It struck my brother Steve with such force," she wrote, "as to push him wildly onto the streets of Tucson, Arizona, where he could not stop running in the aftermath of his middle-of-the-night phone call."
From her home in Cambridgeshire, England, where she serves as a county councillor for the Liberal Democrat party, Susan Kerr van de Ven recalled her reaction as mirroring Steve's. "I was running up and down the road in Taiwan," she said. "But Steve was the one who was alone, and he was still just a boy, really. We just couldn't imagine him getting that news in the middle of the night alone in his room."
Rather than fly Steve into Beirut for the on-campus memorial, the Kerrs decided he should remain in Tucson to play his upcoming game against Arizona State, and to meet the family for services scheduled to be held in the coming days at Princeton, where Malcolm had earned his undergraduate degree, and at UCLA, where Malcolm taught for 20 years.
Two nights after his father's death, Steve wept during a pregame moment of silence, came off the bench to hit his first jumper -- a 25-footer -- and made 5 of 7 field goal attempts to give Olson his first Pac-10 victory.
Steve used the basketball court as his sanctuary, his place to hide from the tragedy of losing the man who shot baskets with him in their Pacific Palisades driveway. The man who would read The New Yorker in the Dodger Stadium bleachers while his young sons were trying to run down batting practice home runs. The man who would never see him play a college game in person.
But in 1988, as Kerr was a fifth-year senior recovering from a torn ACL, the court was a sanctuary no more. During warm-ups before a game at Arizona State, some 10 to 15 fans hit him with a series of subhuman chants that included "P-L-O" and "Where's your dad?"
Kerr dropped the ball and all but collapsed onto the bench, his eyes filling up with tears. He was a beaten man, at least until he wasn't.
Kerr recovered to score 20 of his 22 points in the first half, to make all six of his 3-point attempts in the blowout victory and to send a message to those who tried to unnerve him with their evil words.
"There's no question they made me play my best," Kerr said that night.
"That was Steve," recalled his younger brother, Andrew, now a general contractor in the Washington, D.C., area. "He wasn't going to charge into the stands to go after those idiots. He was just going to ruin their night by winning the game."
Steve Kerr, a second-round pick in that '88 NBA draft, was already playing for his fourth team by the time Michael Jordan showed up for the Chicago Bulls' training camp in the fall of 1995. Jordan's first comeback out of retirement had ended in playoff failure the previous spring, and he was hell-bent on re-establishing himself (and supplanting Scottie Pippen) as the team's alpha male, as the same dominator who had won three titles before quitting to play minor league baseball.
Jordan had a habit of intimidating fellow Bulls in practice with his physicality, sometimes breaking their spirit to the detriment of the team. One day he tried to bully spindly 6-foot-3 Kerr, who had a long history of never backing down. They ended up in a one-sided fistfight, leaving Kerr with a black eye.
His sister, Susan, was among those who loved the story of the fight, believing it to be a good lesson in standing up for yourself.
Jordan apologized the next day, but his contrition was not as important as his newfound feeling for a supporting cast member who had never dunked a ball and who would start a mere 30 games over a 910-game career. "From that point on," Jordan would say, "I've always respected him. He didn't give up. He fought back. He may have gotten the worst end of it, but I respected him. One hundred percent."
That respect was never more evident than it was in the Game 6 huddle of the 1997 Finals, after Phil Jackson drew up the deciding play for -- who else? -- Jordan. Deep in thought on the bench as he sipped from a Gatorade cup, a white towel draped around his shoulders, Jordan turned to Kerr with an ice-cold look in his eye and said, "Hey, hey," before leaning in and ordering him to be ready in case Utah's Stockton left him to double up on defense.
"If he comes off," Kerr said as he jabbed a finger toward Jordan, "I'll be ready."
On cue, Stockton scrambled over to help on Jordan, who threw the pass to Kerr, who sank the jumper that won the title. As Jordan approached the bench, he grabbed Kerr's head with his right hand and pressed it against his cheek. In the postgame delirium, 4-year-old Nick Kerr scrambled onto the court before his mother ordered the player's brother, Andrew, to chase him down.
In pursuit, Andrew came face-to-face with Steve. "When we played in our driveway, like any kid, we'd count down 3-2-1 and say, 'This is to win it all,'" Andrew said. "And then it really happened. That night Steve just screamed in my ear, 'Can you believe I just hit the game-winning shot in the NBA Finals?'"
Susan watched Steve make that shot on TV in Taiwan. John watched on tape delay in a pizzeria in Sicily, unaware of what had occurred in the final seconds and then exploding into celebration with his wife after the uncontested 17-footer went down. Steve had confided in John that he realized there were only three or four NBA teams he could play for, that he needed the right system and the requisite superstar talent to draw the defense's attention and allow him his open looks. Kerr had found that system in Jackson's triangle and that talent in Jordan and Pippen.
He would follow a three-peat in Chicago by being a contributor to San Antonio's run in 1999, when Kerr used the Popovich-Duncan-David Robinson triangle to become the first non-Celtic to win four straight titles. The Spurs dealt him in 2001, reacquired him in 2002 and watched him in 2003 make huge shots off the bench to help beat Dallas in Game 6 of the Western Conference finals and then New Jersey in Game 5 of the Finals.
"To have Nick around has been special," Kerr said of his son during that championship series victory over the Nets. "And then I think, 'Man, it would've been nice for me to have been the son enjoying this experience with my dad.'"
Steve retired that year, four months after his family won a wrongful-death judgment against the Islamic Republic of Iran in U.S. District Court; Iran was found to have backed the Hezbollah terrorists who gunned down Malcolm. Andrew and Susan were the driving forces behind the suit, which was the Kerrs' way of meeting a violent act with a nonviolent call for justice. No Iranian official ever responded to the suit. The court's decision & order was sent to each family member in the mail, and this is what it said about Malcolm's murder:
"Each plaintiff has a vivid recollection of the horrific moment they first learned of it. Although none of the plaintiffs have sought professional counseling to help cope with their grief, choosing instead to rely on one another for solace, they nonetheless continue to experience intense sorrow and anguish at the remembrance of his death. ... Even 19 years after Malcolm's death, his absence is still mourned at every family milestone: the weddings of his children, for example, and the birth of each grandchild."
The court awarded Ann Kerr $10 million in compensatory damages and an additional $8.025 million as executrix of the Malcolm Kerr estate. Steve, Susan, John and Andrew were each awarded $3 million. The family sought no punitive compensation -- "How can you put a price on someone's life?" Susan asked -- and understood that Iran would never pay a dime.
It was never about money. It was always about accountability.
"Receiving that judgment," Susan recalled, "it was all very sad. It was almost a letdown when it came in the mail. It was just so final, and in the end, we didn't bring back the person we all loved."
Ann Kerr, 79 and remarried, was the rock who kept her family from coming undone, leading by example by never abandoning the Middle East or her husband's devotion to it. She took a teaching job in Cairo after Malcolm's death, and, without telling her children, she returned to Beirut for a 1985 service on the one-year anniversary of the assassination.
She has made numerous trips back to Beirut, where three of her children were born, including Steve, and, through a scholarship program in her husband's name, she has sent students into the region for study. "She was determined to keep building bridges," Susan said. "But that isn't to say our lives weren't destroyed simultaneously by what happened, at least until everybody found a way through."
Andrew dealt with the pain by blocking out all memory of the events surrounding his father's final day, except for the bulletin he heard on the radio. He would wear a mouth guard in bed so he wouldn't grind his teeth down to the nub, and sometimes he was haunted in the night by the sounds of his mother sobbing in a nearby room. Andrew ultimately took a job with the National Security Council, and he was adamant that Hezbollah and Iran be held formally responsible for the killing the way they would be in federal court.
Having earned a master's in Middle Eastern studies and a doctorate in education from Harvard, Susan made a career of local politics in England and represented a party that stood against the invasion of Iraq in 2003, a war that Steve also opposed. Ann wrote her memoir on Beirut, titled "Come with Me from Lebanon: An American Family Odyssey"; recently organized a symposium marking the 30th anniversary of the tragedy; and still runs the Fulbright program at UCLA. When her students enter her office, they find on her wall a copy of John's Fulbright scholar ID card and a newspaper clipping showing Steve sinking that Game 6 shot against the Jazz.
"My main regret," she recalled by phone, "and the thing that brings the most pangs, is everything Malcolm missed. The lives of his children, the fact he never saw his grandchildren. That hurts tremendously."
The reminders are always a phone call or an email away. John just sent his mother a photo from a Michigan State commencement ceremony, and in it the oldest son is the spitting image of Malcolm on the day he earned his Ph.D. As far as Steve's zillion-to-one basketball career goes, Ann said, "Wow, Malcolm would've loved every minute of it. But we've made up a belief system that brings him into it."
The way Ann tells it, Steve has his old man's self-deprecating sense of humor. But as much as he pokes fun at himself on TV, and as much as he has struck everyone from his high school coach to NBA opponents as an impossibly nice guy, Steve's inner strength has long been his greatest asset.
"So the idea that he might not be tough enough for this," John said of coaching, "is just silly." Andrew said the GM experience in Phoenix, the first time Steve had the power to hire and fire, taught him how to be decisive. Ann said that 15 years of hard NBA playing, of managing the stress that comes with competing with and against the world's best players, left her son with an edge.
He'll need that edge now more than ever. Kerr turned down Phil Jackson and the Knicks for a shot to lead the Warriors to postseason places Mark Jackson did not lead them.
Kerr will confront this new challenge as an established grinder, an overachiever and a survivor scarred -- but not defined -- by tragedy. He might succeed or fail as coach of Golden State, but this much is already clear:
He won't be afraid to do either.


text: The final BCS Championship game was a game for the ages. Fans who were thrilled and delighted with the down to wire contest won by Florida State 34-31, not just for the action on the field, but for the myriad of viewing choices they had to watch the college title game with their "Megacast." ESPN offered several different telecasts, as well as web based cameras focused on the … [Read more...] about ESPN Thrills TV Viewers with Megacast of BCS Game


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I wrote a brief article for Country Life Magazine – a weekly glossy magazine based in the UK but distributed globally. Country Life is a beautiful publication chock full of luxury housing imagery. This edition (9/4/2013) had a US property focus to which I gave an brief overview of the US housing market over the past decade.
Note: I agreed to allow the editors "Briticise" my writing to match their audience but I had final approval of the content. So if you notice anything, ie Mortgage criteria" v. "Mortgage underwriting guidelines", that's why. 😉
Once upon a time in the American market:
Jonathan Miller retraces the history of the American property crash and examines
what is driving fresh price rises [Read the article]